Financial Highlights

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Period Ended	2018 FY 12/31/2018	2017 FY 12/31/2017	2016 FY 12/31/2016	2015 FY 12/31/2015	2014 FY 12/31/2014
Balance Sheet ($000)
Total Assets	2,138,954	1,525,857	1,377,263	1,315,041	1,213,191
Total Net Loans	1,549,653	1,153,724	1,044,469	989,864	902,999
Total Deposits	1,579,893	1,204,923	1,121,103	1,052,033	968,918
Equity Attributable to Parent Company	298,898	184,461	137,616	125,173	115,909
Total Equity	298,898	184,461	137,616	125,173	115,909
Profitability (%)
Net Income($000)	14,139	15,872	17,217	12,745	9,528
Net Income Attributable to Parent($000)	14,139	15,872	17,217	12,745	9,528
ROAA	0.81	1.04	1.19	0.95	0.77
Core ROAA	1.42	1.10	1.22	1.01	0.81
ROAE	6.50	9.19	12.90	10.59	8.34
ROATCE	8.18	11.68	19.17	16.63	12.45
Core ROAE	11.41	9.70	13.23	11.19	8.71
Net Interest Margin	4.15	3.88	3.91	3.94	3.77
Reported: Net Interest Margin	4.21	4.01	3.93	3.96	3.79
Efficiency Ratio	63.33	67.77	63.83	66.61	71.77
Noninterest Inc/ Operating Rev	21.87	23.08	24.10	22.93	24.68
Balance Sheet Ratios (%)
Loans/ Deposits	98.86	96.66	94.15	95.20	94.42
Securities/ Assets	17.36	16.18	15.38	16.10	17.49
Total Equity/ Total Assets	13.97	12.09	9.99	9.52	9.55
Tangible Equity/ Tangible Assets	10.43	10.47	8.11	7.48	7.79
Tang Common Equity/ Tang Assets	9.98	9.31	6.70	5.75	5.84
Asset Quality (%)
NPAs/ Assets	0.42	0.59	0.81	0.96	1.57
NPA Excl Restructured/ Assets	0.27	0.40	0.51	0.71	1.16
NPAs & 90+ PD/ Assets	0.42	0.59	0.81	0.96	1.57
NPAs/ Loans & REO	0.57	0.77	1.06	1.26	2.08
Nonaccrual & 90+ & OREO/ Assets	0.27	0.40	0.51	0.71	1.17
NPAs & 90+ PD/ Loans & REO	0.57	0.78	1.06	1.26	2.08
NPA & Loans 90+/ Tangible Common Equity + LLR	4.07	5.93	10.76	14.34	22.78
NCOs/ Avg Loans	0.02	0.02	(0.02)	0.11	0.43
Loan Loss Reserves/ Gross Loans	0.87	1.13	1.26	1.43	1.56
Reserves/ NPAs	153.82	145.35	119.22	113.36	74.82
Loan Loss Provision/ NCO	331.91	0	NM	108.40	39.89
Capital Adequacy
Tier 1 Common Capital (CET1)($000)	208,061	140,853	93,463	75,819	67,775
Tier 1 Capital($000)	246,852	187,638	141,840	127,519	120,334
Tier 2 Capital($000)	13,679	13,134	13,305	12,569	NA
Total Capital($000)	260,531	200,772	155,145	140,088	131,581
Total Risk-weighted Assets($000)	1,616,090	1,212,810	1,092,952	1,004,225	895,252
Tier 1 Common Capital (CET1) Ratio(%)	12.87	11.61	8.55	7.55	7.57
Tier 1 Ratio(%)	15.30	15.45	12.98	12.70	13.44
Total Capital Ratio(%)	16.15	16.53	14.20	13.96	14.70
Liquidity Coverage Ratio(%)	NA	NA	NA	NA	NA
Leverage Ratio(%)	12.80	12.69	10.55	9.96	10.70
Basel III Leverage Ratio(%)	NA	NA	NA	NA	NA
Per Share Information ($)
Common Shares Outstanding(actual)	15,603,499	10,198,475	8,343,509	7,843,578	7,707,917
Avg Diluted Shares(actual)	13,855,707	12,352,616	10,950,961	10,918,335	10,904,848
Basic Book Value per Share	18.56	16.39	14.22	13.12	12.04
Book Value per Share, As Reported	18.56	16.39	14.22	13.12	12.04
Basic Tangible Book Value per Share	13.14	13.68	10.84	9.43	9.02
Tangible Book Value per Share, As Reported	13.14	13.68	10.84	9.43	9.02
Common Dividends Declared per Share	0.32	0.25	0.22	0.20	0.19
EPS after Extra	1.02	1.28	1.57	1.17	0.85
EPS after Extra Growth(%)	(20.30)	(18.50)	34.20	37.60	32.80
Core EPS	1.79	1.35	1.61	1.24	0.89
Core EPS Growth(%)	32.40	(16.10)	30.30	39	28.30
Diluted EPS before Amortization	1.05	1.33	1.63	1.24	0.92
Pre-Provision Earnings per Share	1.75	1.16	1.33	1.14	0.82

Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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